# Bank loans and KOSGEB support for a cafe

> What the bank looks at, installments on a 2m ₺ loan by term, grace periods, what to hand the bank and the steps of KOSGEB entrepreneur support.

Source: https://fizibi.com/en/guides/banka-kredisi-ve-kosgeb
Updated: 2026-09-06

## What does a bank look at in a cafe project?

The banker does not read your dream, they read repayment capacity. They want three things: (1) an equity share of at least 30-40% of the total investment; (2) yearly earnings that comfortably cover yearly installments (DSCR of at least 1.3: 130 ₺ earned for every 100 ₺ of installments); (3) collateral or a KGF guarantee. A new business has no balance sheet, so first loans are usually given against the founder's personal guarantee plus KGF.

## How much loan, how much installment?

In 2026 commercial loan rates sit around 40-55% a year; BSMV (5%) is added on top of interest, and KKDF is not charged on commercial credit. A 45% rate becomes 47.25% with BSMV. Approximate installments on a 2 million ₺ loan:

| Term | Monthly installment (45% + BSMV) | Total interest |
|---|---|---|
| 24 months | ≈ 130,000 ₺ | ≈ 1.1m ₺ |
| 36 months | ≈ 105,000 ₺ | ≈ 1.8m ₺ |
| 48 months | ≈ 93,000 ₺ | ≈ 2.5m ₺ |
| 60 months | ≈ 87,000 ₺ | ≈ 3.2m ₺ |

A longer term lowers the installment but nearly triples total interest. Sales are not settled in the opening months, so ask for a **grace period** (3-6 months interest-only); in your FIZIBI report you can change term and grace yourself and see the installment.

## What do you hand the bank?

- The full feasibility report, especially the "Summary for the bank" box in the **Funding** chapter (total need, equity, loan, monthly installment, DSCR, cash trough).
- The 36-month P&L and cash flow (chapters 8 and 9).
- Lease or pre-agreement, fit-out and equipment quotes.
- Company registration documents and tax plate; personal income and asset statements if you have them.
- The KGF guarantee is applied for by the bank itself; you only need to say "I want a KGF guarantee".

## How does KOSGEB entrepreneur support work?

KOSGEB gives new businesses two kinds of support: **grants** (setup support and performance support that grows with the people you employ) and an **interest-free, repayable equipment loan**. In 2026 the total typically lands between 300k and 1.5m ₺. Conditions:

1. Complete the free online **Entrepreneurship Training** and get the certificate.
2. Register the company; you apply after it exists.
3. Register in the KOSGEB database and upload your business plan.
4. Approval takes 3-6 months; the money may not arrive before opening. That is why FIZIBI shows KOSGEB in funding sources, not in opening cash flow.

Higher rates apply to women, young (18-30), disabled and veteran-family entrepreneurs. Details are in KOSGEB's current implementation rules; amounts change yearly.

## Checklist before you borrow

- Is the report's **DSCR** above 1.3 every year? If not, lengthen the term, add a grace period or borrow less.
- Does the loan exceed 60% of the total investment? If so the bank will most likely decline.
- Are installments covered in the pessimistic scenario? (Report chapter 10)
- Is the loan in foreign currency? FX loans between residents are heavily restricted; borrow in lira.
- Read the early-repayment penalty and file fees in the contract.